Regulamento Financeiro

FFIEC compliance means adhering to the rules and standards set out by the Federal Financial Institution Examining Council. Failure to comply with these standards can result in fines and penalties for a financial institution. O que é que a FFIEC faz? O Conselho é um órgão formal interagências com poderes…

Often referred to as the “truth in securities” law, the Securities Act of 1933 has two basic objectives: require that investors receive financial and other significant information concerning securities being offered for public sale; and. prohibit deceit, misrepresentations, and other fraud in the sale of securities. A Securities Act de…

If potential money laundering or violations of the BSA are detected, a report is required. Computer hacking and customers operating an unlicensed money services business also trigger an action. Once potential criminal activity is detected, the SAR must be filed within 30 days. Que quantia em dólares desencadeia um relatório…

Rule 204 requires brokers and dealers that are participants of a registered clearing agency to take action to close out failure to deliver positions. Closing out requires the broker or dealer to purchase or borrow securities of like kind and quantity. O que é uma encomenda de sapatos? “Short exempt”…

Form S-3 is a simplified form for registering securities with the Securities and Exchange Commission (SEC). The form can be used by a company to register securities under the Securities Act of 1933, instead of using Form S-1Form S-1Form S-1 is an SEC filing used by companies planning on going…

20032003 to confront money laundering and terrorism financing. Quando foi implementado o CIP? 2003 Mais vulgarmente conhecido como conhecido como seu cliente, o requisito do CIP foi implementado por regulamentos em 2003 que exigem que as instituições financeiras dos EUA desenvolvam um CIP proporcional à dimensão e ao tipo do…

For example, a person, including a bank employee, willfully violating the BSA or its implementing regulations is subject to a criminal fine of up to $250,000 or five years in prison, or both. 31 USC 5322(a). Quais são as consequências e o risco para os indivíduos envolvidos no branqueamento de…

The easiest way to submit a SAR is with the secure SAR Online system. SAR Online is free, negates the need for paper-based reporting, provides an instant acknowledgement and reference number (reports submitted manually do not receive an acknowledgement) and reports can be made 24/7. A SAR pode ser submetida…

It is made up of 27 commissioners (one from each member state) and is based in Brussels. Each member state nominates a commissioner, but the nominated candidates must be approved by the European Parliament. The Parliament must also approve the President of the European Commission. Como está estruturada a Comissão…

The FCA has powers under sections 401 and 402 of the Act to prosecute a range of criminal offences in England, Wales and Northern Ireland. The FCA may also prosecute criminal offences where to do so would be consistent with meeting any of its statutory objectives. Que poderes tem a…

A Rule 415 offering provides that purchasers within the first 60 days will receive a security with a higher yield than that to be received by subsequent purchasers. The registrant wished to extend the preferential purchase period for an additional 30 days. Porque é que uma empresa utilizaria a Regra…

Total risk-based capital ratio means the ratio of qualifying total capital to weighted risk assets. O que é o rácio de capital de risco? O rácio de capital ajustado ao risco é utilizado para avaliar a capacidade de uma instituição financeira para continuar a funcionar no caso de uma desaceleração…

Suspicious Activity Reports (SARs) alert law enforcement to potential instances of money laundering or terrorist financing. Qual é a finalidade de uma SAR? O objectivo do Relatório de Actividades Suspeitas (SAR) é denunciar violações conhecidas ou suspeitas de violação da lei ou actividades suspeitas observadas por instituições financeiras sujeitas aos…

What does the Safeguards Rule require companies to do? The Safeguards Rule requires covered financial institutions to develop, implement, and maintain an information security program with administrative, technical, and physical safeguards designed to protect customer information. Qual é o primeiro requisito no estabelecimento de um programa de regras de salvaguarda?…

Learn seven risks of a short sale so you can plan properly and decide if it could be the right investment for you. Long Process. … Subject to the Mortgage Lender’s Approval. … Lender Could Counter, Reject or Not Respond. … Opportunity Cost. … Property ‘As Is’ … Is the…

The Currency and Foreign Transactions Reporting Act of 1970—which legislative framework is commonly referred to as the “Bank Secrecy Act” (BSA)—requires U.S. financial institutions to assist U.S. government agencies to detect and prevent money laundering. O que é que a BSA representa em conformidade? BSA é o nome comum de…

The Board. The five members of the PCAOB Board, including the Chair, are appointed to staggered five-year terms by the SEC, after consultation with the Chair of the Board of Governors of the Federal Reserve System and the Secretary of the Treasury. Quem são os membros do PCAOB? Williams como…

With a short sale, the seller is asking the bank to take less than the amount owed. Even if you’ve made an offer and the seller has accepted it, it’s not a done deal. The seller’s bank must approve the sale, and this is where the big delays can happen.…

Top 5 High-Risk Areas for Compliance Issues Political Uncertainty May Trigger Regulatory Changes. The political shift can impact the regulatory and legislative landscape slightly. … Cyber Security and Data Protection. … Conflicts of Interest and External Business Activities. … OHSA or Safety Compliance. … EEOC Compliance. Quais são os tipos…

Qual é o principal objectivo da Lei Gramm-Leach-Bliley? A Lei Gramm-Leach-Bliley exige que as instituições financeiras – empresas que oferecem aos consumidores produtos ou serviços financeiros como empréstimos, aconselhamento financeiro ou de investimento, ou seguros – expliquem aos seus clientes as suas práticas de partilha de informação e salvaguardem dados…